1. WSU Insurance and Claims
11/21/2018
WSU Insurance and Claims
Is this covered?
Deb Donning
Risk Manager
Risk Management Services
July 2018
Template-WSU Hrz 201.ppt

2. Objectives Provide an overview of WSU insurance Claims process
Liability
Property – Buildings/Contents
Vehicle Loss Reserve Fund
Claims process
Next steps and recommendations
Contacts for additional information

3. Insurance Overview - Liability
WSU – A public institution of higher education (State Agency)
Self – Insurance Liability Program (SILP)
Department of Enterprise Services
Liability …. you are covered, if….

4. Liability Coverage Limitations
Only if negligent per statute
Other entities covered by SILP
Contract provisions
Options
Event Insurance
Negotiate

5. Insurance Overview - Property
Not provided by WSU – opt in coverage
Current Coverage
Insurer - FM Global
Deductibles $100,000 with $10,000 option for contents
October to October policy period
How to obtain coverage

6. Vehicle Loss Reserve Fund
Insurance Overview –
Vehicle Loss Reserve Fund
WSU self-insurance program for vehicles
Current Coverage
Based on vehicle value and type
$0 deductible at this time (collision/comprehensive)
Fiscal year renewal with mid-year changes
How to obtain coverage

7. Claims Process – Liability/Tort
Liability/Tort Claim
Subpoena/attorney communication. You are represented, contact WSU Attorney General’s Office.
Receive notice of potential claim (phone call or written). Notify or direct the person to WSU Risk Management Services.
WSU does not have authority to settle a tort claim directly.

8. Claims Process – Property
Property Claim
Determine if the damaged/destroyed property is insured.
Early notification is important, damage can initially appear minimal and become more extensive.
Typically a reimbursement, not direct pay.

9. 1997 Kincaid Fire - UW

11. Claims Process – VLRF Vehicle Loss Reserve Fund Claim
Complete Vehicle Accident Report (online preferred).
Photographs
Third party information
Contact Risk Management Services
Typically direct pay to vendor for vehicle repairs

12. Claims Process – Auto Liability
Auto Liability Claim
Vehicle Accident Report is vital (online preferred).
Photographs
Third party information
Contact Risk Management Services

13. Next Steps and Recommendations
Confirm all volunteers registered
Confirm current property coverage
Inventory of contents
High value
Critical to mission
Photographs/video
Business continuity

14. Next Steps and Recommendations
Lease/loan agreements.
Insurance requirements
Expectations
Make it manageable – don't let perfect get in the way of good.
Feedback!

15. Contact Risk Management Services
Questions
Contact Risk Management Services
Telephone

16. This has been a WSU Training Videoconference
11/21/2018
This has been a WSU Training Videoconference
If you attended this live training session and wish to have your attendance documented in your training history, please notify Human Resource Services within 24 hours of today's date:
Template-WSU Hrz 201.ppt